| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85260 | SYMETRA LIFE INSURANCE COMPANY | — | $27K | $27K | 5.13% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | HARTFORD LIFE AND ACCIDENT | $30K | — | $30K | 9.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | HARTFORD LIFE AND ACCIDENT | — | -$2 | -$2 | -0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH STREET FORT WORTH, TX 76102 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $26K | — | $26K | 9.15% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $19K | $19K | 6.81% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HOGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH STREET FORT WORTH, TX 76102 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $29K | — | $29K | 11.68% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AK 85255 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $17K | $17K | 6.74% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH STREET FORT WORTH, TX 76102 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $26K | — | $26K | 13.73% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $13K | $13K | 6.81% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM | — | TELEDOC | $3K | — | $3K | 15.00% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 WEST 13TH STREET FORT WORTH, TX 76102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 17.03% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM | — | TELEDOC | $513 | — | $513 | 15.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 113 | $19K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 911 | $248K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 451 | $188K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 799 | $611K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 755 | $517K |
| Other(5 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 911 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 911 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.